Most economists and financial wellness experts agree that EWA has been highly impactful as a tool for workers to access short-term liquidity from money they have already earned. 

To better understand how workers use EWA, leading providers like Payactiv have partnered with research firms to study user behavior. The data shows that EWA is an effective replacement for payday loans and other predatory products. In fact, there is significant overlap in the pool of users that take out payday loans and those that draw EWA, with over 80% of users who have access to EWA reporting they no longer use payday loans.